Most importantly - the time and people = money.
My last job had a dev, UAT, and prod environments because they knew it was important enough to the business to pay for them.
I dont pay me anything for running my home environment - so, there is only production. And lots of backups.
Can also vouch for AirVPN. Going on 7 years now with no issues.
They do excellent discounts aound black Friday so you can pay for the year(s) ahead if you do decide to use them long term.